Author
Buying a Home in London? Here’s How to Save Thousands on Your Mortgage
London is one of the most exciting cities in the world, but let’s be honest—buying a home here isn’t cheap. With skyrocketing property prices, high living costs, and a competitive housing market, every pound counts.
If you’re a first-time buyer or home mover in London, you might be wondering:
“How do I find the best mortgage deal without paying a fortune in fees?”
“Do I need a mortgage broker, and do I have to pay for advice?”
Here’s the good news: You don’t have to pay a fee for mortgage advice.
At Verve Financial, we’re a fee-free mortgage broker that helps Londoners secure the right mortgage deal—without charging a penny for advice.
Why Do Some Mortgage Brokers Charge Fees?
Some mortgage brokers charge you a broker fee, which can range from £300 to over £1,500, just to help you find a mortgage.
They justify this by saying:
• They have access to exclusive deals
• They do all the paperwork for you
• They save you time and stress
But here’s the thing: Many mortgage brokers (like Verve Financial) do all this—without charging you a fee.
What Does a Fee-Free Mortgage Broker Do?
As a fee-free mortgage broker, we:
• Search the whole market – We compare hundreds of mortgage deals to find the most suitable rate for you
• Work with first-time buyers & home movers – Whether you’re buying in Clapham, Camden, or Croydon, we help you every step of the way
• Help you save money – We don’t charge you a fee, meaning more money for your deposit, furniture, or legal costs
• Handle the paperwork – We manage your application from start to finish, so you don’t have to
How Much Can You Save by Avoiding Broker Fees?
Let’s say you’re a first-time buyer looking to buy a £400,000 flat in London. You’ve saved a 5% deposit (£20,000) and need a mortgage for the rest.
If a mortgage broker charges a £500 fee, that’s £500 less you have for legal fees, furniture, or moving costs.
At Verve Financial, we keep that money in your pocket—so you can spend it on your new home instead.
Can You Get a Good Mortgage Deal Without Paying a Broker Fee?
Absolutely.
We have access to the same (or better) mortgage deals as fee-charging brokers. We work with high-street banks, specialist lenders, and exclusive mortgage providers, so you get the most suitable rate—without the extra cost.
First-Time Buyers: How We Help You Get on the Property Ladder
London’s housing market is competitive, but with the right strategy, you can buy your first home sooner than you think.
• Low-Deposit Mortgages – We’ll help you find 5% deposit mortgages and even 99% mortgages so you can buy with minimal savings
• Help with Paperwork – We guide you through the process, so you don’t feel overwhelmed
• Access to Government Schemes – We help you apply for First Homes, Shared Ownership, and Deposit Unlock to make buying more affordable
• Quick Mortgage Agreements – We can secure an Agreement in Principle (AIP) fast, so you’re ready to make an offer
Home Movers: Get the Best Deal on Your Next Mortgage
If you already own a property but want to move to a bigger home or relocate within London, we can:
• Find the lowest rates – Whether you’re remortgaging or moving, we ensure you don’t overpay
• Help with Porting Your Mortgage – If you have a good mortgage deal, we can help you transfer it to your new home
• Secure a New Mortgage – If you need a better deal, we’ll find a lender that suits your needs
Why Choose Verve Financial for Your London Mortgage?
• Fee-Free Advice – You never pay us a penny for our service
• Expert London Knowledge – We understand the unique challenges of buying in London
• Whole-of-Market Access – We search hundreds of lenders to find the right mortgage for you
• Quick & Stress-Free – We handle the paperwork, so you don’t have to
You could save thousands just by choosing a fee-free mortgage broker like Verve Financial.
Final Thoughts – Don’t Pay for Mortgage Advice in London!
London is an expensive place to buy a home, so why waste money on unnecessary broker fees?
At Verve Financial, we help first-time buyers and home movers find the most suitable mortgage deal—without charging a fee.
Get in touch today for FREE mortgage advice and let’s get you moving!
